AIG Insurance Review
- With 3.3/5 stars in 2025, AIG is a good insurance company.
- Read AIG reviews, complaints and prices before you buy.
AIG insurance: Ratings and reviews
American International Group, Inc., more commonly known as AIG, has provided a variety of insurance products since 1919. Perhaps best known for its commercial and life insurance options, the New York City-based company is among the largest insurers in the world, with offices in 80 countries. AIG offers home and auto coverage options in the United States tailored to the needs of higher-net-worth individuals.
Read The Zebra's review of AIG’s car insurance options, including coverage offerings, ratings, and overall customer satisfaction.
-
Offers global coverage and support in many countries
-
Diverse and customizable coverage options
-
As a well-established carrier, they are financially sound
-
Prices can be on the higher side
-
Leans exclusively toward high-net-worth individuals
-
Local agents lacking in some locations
Is AIG a good insurance company?
The majority of The Zebra's review incorporates how well AIG scores in terms of customer service. In order to determine that we looked at the following third-party ratings.
Better Business Bureau: 1.01/5
- AIG earns 1.01/5 in the BBB's ratings[1]
Trustpilot: 1.5/5
- Trustpilot rated AIG as 1.5/5 in overall auto customer satisfaction[2]
Complaint Index: Below average
- The National Association of Insurance Commissioners (NAIC) receives Below average customer complaints for AIG[3]
Financial Strength: Excellent/Good
- AIG received an Excellent/Good financial strength rating from A.M. Best for its ability to pay out claims[4]
The Zebra Customer Satisfaction Survey
In addition to third-party ratings, we also incorporated the results from our own consumer survey where we ranked which car insurance companies are the best based on feedback from real customers. In this survey, AIG scored ranked 4th overall with a score of 8.73/10. Below you can see where AIG ranked for some of the individual categories.
AIG received a score of 9.07/10 ranks 2nd for its online experience, including website and mobile apps.
AIG ranked 3rd in overall trustworthiness among carriers with a score of 8.74/10.
Coming in a 4th overall and a score of 8.72/10, AIG customers are highly likely to recommend the company to others.
With a score of 8.92/10, AIG ranked 3rd overall for customer satisfaction for claims.
How much does AIG insurance cost?
Currently, the national average for a 6 month policy is $880, whereas AIG is about $1,772 — roughly 101% more expensive than a typical policy.
The table below shows how AIG auto insurance compares against other top insurers' monthly premiums.Â
Updating data...
| Company | Avg. Monthly Premium |
|---|---|
| AIG | $295 |
| Allstate | $201 |
| The Hartford | $201 |
| MetLife | $184 |
| Esurance | $172 |
| Farmers | $149 |
| State Farm | $131 |
Source: The Zebra
Similar to any insurance company, pricing for AIG auto insurance does vary based on your age and generally will get cheaper the older you get.
The table below shows AIG's car insurance premiums for different age brackets.
Updating data...
| Age Group | Avg. Monthly Premium |
|---|---|
| Teens | $688 |
| 20s | $365 |
| 40s | $296 |
| 30s | $295 |
| 50s | $280 |
| 60s | $268 |
Source: The Zebra
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Discounts offered
In keeping with the company's focus on higher-net-worth individuals, AIG does not advertise any car insurance discounts on its website or in any other materials. Still, most insurers will offer savings for those who bundle their home and auto coverage.Â
Search, compare and buy all on one site. Start saving today!
What types of coverage does GEICO offer?
AIG private client group auto insurance provides all of the standard coverage options that you would expect from a major carrier, only with a bit of a luxury spin. Most AIG auto insurance clients of AIG auto insurance are covering vehicles that are rare or carry a high price tag. Therefore, the company has some unique available coverage options.Â
Liability coverage is a core part of AIG's car insurance offering. This required coverage steps in to provide protection in the event you are found liable for damages to another party, such as through an at-fault accident. The company offers very high liability limits which further protects policyholders and their assets. These limits can be as high as $1 million per occurrence. AIG also offers an umbrella policy with limits of up to $100 million.Â
- Worldwide liability coverage:Â AIG auto insurance policies cover you no matter where in the world you travel, something that most standard carriers do not offer.
- 360° support: AIG will cover personal belongings that are stolen or damaged. They will also cover living expenses if you are stuck far from home. Even your family pet is protected under AIG’s coverage.Â
- Original manufacturers’ parts: Provided the original parts of your vehicle are still in production, you can expect AIG to cover the replacement of original factory parts for your car.
- Agreed value:Â If your car is totaled by a covered loss, you'll receive a payout in the amount agreed upon at the beginning of your policy. This means that depreciation is not factored in.
- Cash settlement option:Â AIG insurance gives the option of a cash settlement in the event that a covered loss results in at least damage of 50% or more than the agreed value.
- Rental car reimbursement:Â AIG provides rental reimbursement of up to $12,500 with no per-day limit.Â
AIG insurance review: Summary
When considering insurance options, the first question that you’ll need to ask yourself is about the level of coverage that you need. If you do not have high-value vehicles or live in a luxury home, AIG may not be the right option for you. The average insurance customer doesn’t have a need for such elaborate coverage options. However, if you have significant assets, AIG provides robust coverage that can follow you around the world.
While Trustpilot and BBB scores don't give them the highest rating, the company does receive fewer complaints than is average. However, for high-net-worth individuals, the cost of your policy is still a factor. You'll want to make sure that you get the best coverage at a price that is fair. Getting insurance quotes from a variety of companies is a good way to get an idea of what coverages are available.
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra considers the company's standing in five main categories to come up with an overall rating. These metrics are weighted according to importance and are detailed below:
- Price (20%): Using the base profile detailed below, we compared the company's average rate with the national average. If it surpassed this average, we gave a lower rating; if it fell below, we awarded a higher rating.
- Coverage (20%): The highest-scoring companies offer a variety of coverage options, including bundling options, roadside assistance, telematics, beyond-basic coverage levels, and a variety of other coverage types.
- Customer service (30%): We averaged ratings from JD Power, the NAIC complaint index to come up with a rating for the company's customer service. In instances when a company is not rated, we may use alternative rating agencies such as the Better Business Bureau and Trust Pilot.
- Financial strength (10%): We use AM Best to determine a company's financial standing. In some cases when a company is not rated by AM Best, we may use an alternative measure such as Demotech.
- The Zebra's Customer Satisfaction Survey (20%): The Zebra conducts an annual survey measuring customer satisfaction for many of the top insurance companies with the goal of ranking both the best auto insurance companies and best home insurance companies. Read more below.
For our auto insurance review, we analyzed more than 83 million insurance rates spanning every U.S. ZIP code using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:
- $50,000 per person/$100,000 per incident for bodily injury liability
- $50,000 per incident for property damage liability
- $500 deductibles for collision and comprehensive coverage
For our home insurance review, rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:
- $200,000 for the dwelling
- $20,000 for other structures
- $100,000 for personal property
- $100,000 for personal liability
- $1,000 deductible
These sample premiums are dynamic and automatically refresh whenever the newest data is made available.
To generate pricing for particular rating factors, we adjusted this profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level and others.
For The Zebra's Customer Satisfaction Survey, findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2023.
AIGÂ insurance: Frequently asked questions
Get quotes from 100+ companies with The Zebra!
Related content
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.